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PayPal

Send Money, Pay Online or Set Up a Merchant Account
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What is PayPal?

PayPal is an online payments and money transfer service that allows you to send money via email, phone, text message or Skype. They offer products to both individuals and businesses alike, including online vendors, auction sites and corporate users. PayPal connects effortlessly to bank accounts and credit cards. PayPal Mobile is one of PayPal鈥檚 newest products. It allows you to send payments by text message or by using PayPal鈥檚 mobile browser.
PayPal is a tool in the Payment Services category of a tech stack.

Who uses PayPal?

Companies
1892 companies reportedly use PayPal in their tech stacks, including Uber, Lyft, and Delivery Hero.

Developers
9799 developers on StackShare have stated that they use PayPal.

PayPal Integrations

Shopify, Gravity Forms, PrestaShop, Salesforce Commerce Cloud, and OpenAPI are some of the popular tools that integrate with PayPal. Here's a list of all 73 tools that integrate with PayPal.
Public Decisions about PayPal

Here are some stack decisions, common use cases and reviews by companies and developers who chose PayPal in their tech stack.

Joshua Dean K眉pper
CEO at Scrayos UG (haftungsbeschr盲nkt) | 1 upvote 路 2K views

PayPal is used as one of our payment-gateways included in our shop-solution. We only use PayPal for direct debits/charges from bank-accounts as we got Stripe for credit-card transactions.

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Dear StackShare Community,

I am seeking inspiration on creating a billing & subscription stack and came across this wonderful website and community.

From what I understood so far, I need something like Stripe or Braintree to collect payments without dealing with PCI compliance or setting up merchant accounts, etc... Additionally, services like Chargebee, Recurly, Chargify, etc. are said to make life easier when dealing with recurring billing.

Stated below, I've tried to give you some context on what I want to achieve. I am very curious about your ideas and how you'd configure an optimal stack.

Project context (very high level):

  • Loyalty program for local merchants (stores, restaurants,...).

  • Customers support their community and merchants by shopping local.

  • Merchants grant points to customers based on a customer's value spent in a store, restaurant, etc.

  • Customers can redeem their points at any participating merchant.

Billing / Subscription scenarios to be considered:

(affecting merchants only)

One-time setup fee

  • What: Merchant pays a setup fee by signing up for the service

  • Where: Order placed on the website

Monthly retainer fee

  • What: Merchant pays a monthly recurring retainer for the service.

  • Where: Order placed on the website

Manually initiated payment

  • What: Merchant initiates a payment to top up his virtual points wallet. E.g. pays 100 USD to top up 100000 points which then can be used by the merchant for granting points to customers.

  • Why: Points issued to members need to be paid for by the merchant. We first considered billing the merchants post-ante, e.g. monthly based on the points they've granted to their customers in the last 30 days, but this seems too risky: If they can't / won't pay we'd still have to pay out points to the customers (technically to the merchants where the customers redeem their points). Thus, the pragmatic idea to reduce risk by having the merchants to pre-pay for their points by topping up their balance.

  • Where: Web application (with the merchant logged in)

  • Nice to have: Opt-in for automatically initiated top-ups if a merchant's balance falls below a certain amount.

Invoicing

  • What: After every transaction (setup, retainer, top-up,...), we need to automatically issue and send (E-Mail) an invoice to the merchant.

  • Nice to have: Customer portal with all their invoices.

Other potentially relevant parameters

  • Currency: Only Euro

  • Country: Only Germany (so far)

  • Tax: Only one tax rate

  • Payment for setup & retainer: Credit Card; ideally SEPA Direct Debit (but that still causes headache due to the SEPA regulatory and risk of chargebacks still after weeks), PayPal?

  • Payment for top-up: Same as above plus any other that makes sense (Klarna, Sofort, PayPal...)

Again, thank you very much for sharing your ideas and thoughts! I'd highly appreciate any input :-)

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Shared insights
on
PayPalPayPalStripeStripe

Which one is recommended to develop an app like Stripe or PayPal?

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Repost

Overview: To put it simply, we plan to use the MERN stack to build our web application. MongoDB will be used as our primary database. We will use ExpressJS alongside Node.js to set up our API endpoints. Additionally, we plan to use React to build our SPA on the client side and use Redis on the server side as our primary caching solution. Initially, while working on the project, we plan to deploy our server and client both on Heroku . However, Heroku is very limited and we will need the benefits of an Infrastructure as a Service so we will use Amazon EC2 to later deploy our final version of the application.

Serverside: nodemon will allow us to automatically restart a running instance of our node app when files changes take place. We decided to use MongoDB because it is a non relational database which uses the Document Object Model. This allows a lot of flexibility as compared to a RDMS like SQL which requires a very structural model of data that does not change too much. Another strength of MongoDB is its ease in scalability. We will use Mongoose along side MongoDB to model our application data. Additionally, we will host our MongoDB cluster remotely on MongoDB Atlas. Bcrypt will be used to encrypt user passwords that will be stored in the DB. This is to avoid the risks of storing plain text passwords. Moreover, we will use Cloudinary to store images uploaded by the user. We will also use the Twilio SendGrid API to enable automated emails sent by our application. To protect private API endpoints, we will use JSON Web Token and Passport. Also, PayPal will be used as a payment gateway to accept payments from users.

Client Side: As mentioned earlier, we will use React to build our SPA. React uses a virtual DOM which is very efficient in rendering a page. Also React will allow us to reuse components. Furthermore, it is very popular and there is a large community that uses React so it can be helpful if we run into issues. We also plan to make a cross platform mobile application later and using React will allow us to reuse a lot of our code with React Native. Redux will be used to manage state. Redux works great with React and will help us manage a global state in the app and avoid the complications of each component having its own state. Additionally, we will use Bootstrap components and custom CSS to style our app.

Other: Git will be used for version control. During the later stages of our project, we will use Google Analytics to collect useful data regarding user interactions. Moreover, Slack will be our primary communication tool. Also, we will use Visual Studio Code as our primary code editor because it is very light weight and has a wide variety of extensions that will boost productivity. Postman will be used to interact with and debug our API endpoints.

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Lucas Litton
Director of Strategy at DigitalSignal | 4 upvotes 路 72.9K views

We use GoCardless to simplify the way clients and partners pay for our services. What intrigued us is the quick and easy ACH feature that gives our clients the option to log in with their bank account and shoot the funds directly to our account. The fee, compared to Stripe is less. Stripe and PayPal charge 2.9% + 30c and Stripe also forces the client to enter in all of their payment details manually and then if the payment doesn't work, the client has to try all over again. GoCardless charges 1% + 25c which is much more reasonable dealing with the large projects that we are currently working on.

We integrate GoCardless with Xero to easily send out quick invoices, receive the funds and track all revenue in one place.

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Tim Little
Software Consultant at timlittletech | 5 upvotes 路 5.4K views

Hi there, I am trying to figure out if it's worth creating a Braintree account to do subscription billing in my Shopify store. The goal is to have as little custom code as possible for the store but be able to do subscription billing services, we already have a PayPal business account, but from the looks of it, we can't use PayWhirl directly with Paypal.

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PayPal's Features

  • 2.9% + $0.30 or less- With our flat, transparent pricing, you鈥檒l never be surprised by hidden or variable fees. We also offer discounted rates when you sell a lot, or when you use our card reader.
  • Keeping every seller secure- If you鈥檙e sent an unauthorized payment, or a buyer claims they never received an item, our Seller Protection covers you for the full amount of the eligible payment.
  • Easy for them, easy for you- With just a few clicks, you can get paid by debit card, credit card, or a PayPal transfer. All someone needs to start buying from you is your e-mail address or mobile number.
  • Adaptive Payments- The Adaptive Payments API allows merchants and developers to pay almost anyone and set up automated payments.
  • Express Checkout- Express Checkout allows merchants and developers to minimize the number of steps customers must complete when they checkout.
  • PayPal Payments Advanced- PayPal Payments Advanced allows merchants to enable their online stores to collect payment directly via credit card or via PayPal Express Checkout.

PayPal Alternatives & Comparisons

What are some alternatives to PayPal?
Stripe
Stripe makes it easy for developers to accept credit cards on the web.
WePay
WePay helps people sell tickets to events, send invoices, sell items online, and accept donations online. WePay also provides an API that allows developers to access its payments platform.
Payoneer
It is a financial services company that provides online money transfer and digital payment services and working capital solutions
TransferWise
It bypasses pricey international payments entirely by using two local transfers instead of one international transaction. If you want to convert your pounds to euros, you send the money in pounds to its UK-based account.
Braintree
Braintree replaces traditional payment gateways and merchant accounts. From one touch payments, to mobile SDKs and international sales, we provide everything you need to start accepting payments today.
See all alternatives

PayPal's Followers
7806 developers follow PayPal to keep up with related blogs and decisions.